Holdings vs Crowded
Crowded is built for nonprofits. So is Holdings — but we give you donation tools, grant budgets, accounting, AND banking, all for $0.
Feature comparison
See how Holdings stacks up against Crowded
| What you get | Holdings | Crowded |
|---|---|---|
| Donation Receipt Generator | ✅ Free | ❌ Not included |
| Grant Budget Planner | ✅ Free | ❌ Not included |
| 501(c)(3) Tools | ✅ Free | Limited |
| Fund Tracking | ✅ Via sub-accounts | ✅ Dedicated fund accounting |
| Built-in Accounting | ✅ Included free | ✅ Fund accounting |
| P&L / Financial Reports | ✅ Real-time | ✅ Fund-level reports |
| Monthly Fees | $0 | Free tier available |
| APY on Deposits | 1.75% | Varies |
| FDIC Insurance | Up to $3M | $250K |
| Debit Cards | ✅ Physical + virtual | ✅ Available |
| Domestic Wires | Free | Pricing varies |
| Works for All Businesses | ✅ Any business type | ❌ Nonprofits only |
Why choose Holdings over Crowded
Stop juggling 5 apps — tools, accounting, and banking in one workspace
Crowded handles fund accounting and donations. But you still need a bank, a receipt tool, grant tracking, and more. Holdings gives you everything in one place — for $0.
Your donations auto-update your books
Donation receipts, fund tracking, and accounting are all connected. No manual imports between systems. Every transaction flows into your reports automatically.
Tax time takes 10 minutes, not 10 hours
Auto-categorization, real-time P&L, and tax-ready reports are built in. Plus 1.75% APY on all deposits — your reserves earn while they sit.
Replace scattered tools with a free platform
Holdings works for any business type — so if your nonprofit has a fiscal sponsorship program, a social enterprise arm, or staff who also run small businesses, one platform covers all of it.
Get the Nonprofit Tools Checklist
Comparing alternatives to Crowded? Here's the complete checklist for switching — donation tools, grant tracking, accounting, and banking for your organization.
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When Crowded might be the better choice
Crowded may be the better choice if you need purpose-built nonprofit fund accounting with dedicated donation tracking, grant management, and nonprofit-specific reporting out of the box. If your organization's primary need is detailed fund-level accounting rather than general banking, Crowded's specialized approach may fit better.
Frequently asked questions
I already have a bank — why do I need Holdings?
Holdings isn't just a bank — it's a financial workspace. You get 35+ free business tools, built-in accounting, donation receipt generators, grant budget planners, and a connected bank account. It replaces your accounting software, your spreadsheets, and your bank — all for $0.
Can I use Holdings tools without banking?
Yes. All 35+ tools are free to use regardless of whether you open a Holdings bank account. The banking is optional — the tools and accounting work on their own.
How does Holdings compare to Crowded for nonprofits?
Both serve nonprofits. Holdings gives you donation tools, grant budgets, accounting, AND banking for $0. Crowded focuses on fund accounting and donation tracking. Holdings is the all-in-one workspace; Crowded is a single-purpose tool.
Can churches use Holdings instead of Crowded?
Yes. Holdings is popular with churches and faith organizations. Sub-accounts work well for tithe tracking, building funds, and mission funds. Plus you get donation receipt tools, grant budget planners, and 1.75% APY on all deposits.
Is Holdings free for nonprofits?
Yes. Holdings is free for all businesses including nonprofits. Zero monthly fees, free sub-accounts, free accounting, 35+ free tools. Optional bookkeeping add-on is $100/mo.
Ready to run your business from one place?
35+ free tools. Free accounting. Connected banking. Try it in 5 minutes.
1.75% APY † • Zero fees^ • FDIC insured to $3M*
Compare & Explore
Banking for Nonprofits
Free tools and accounting designed for nonprofit organizations.
Banking for Churches
Financial tools built for churches and faith organizations.
Holdings Banking Features
Zero-fee checking with 1.75% APY, FDIC insured to $3M.
Free Accounting Software
Automatic categorization, P&L, and balance sheets.
Free Donation Receipt Generator
Generate tax-deductible donation receipts.
Free Grant Budget Planner
Create grant budget templates for proposals.
Calculate Your Savings
See how much you could save by switching to Holdings.